Rates

Credit Cards

These rates are in effect as of Sunday, December 4, 2016.

TRUE Rewards Cash BackVISA®

mcu true rewards cash back visa
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Platinum CardVISA®

mcu platinumcard
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Gold CardVISA®

mcu gold card
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Classic Variable RateVISA®

mcu classic card
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Annual Percentage Rate for Purchases0.00%, 2.90%, 3.90% or 5.90% introductory APR for new cardholders on purchases for the first 12 months. Thereafter, at the prevailing rate, currently 12.40%, 13.65%, 15.15% or 16.90% (Prime Rate + 8.90%, 10.15%, 11.65% or 13.40% after the introductory period expires. The APR may vary.*3.90% introductory APR for new cardholders on purchases and balance transfers for the first 6 months. Thereafter, at the prevailing rate, currently 9.15% or 10.40% (Prime Rate + 5.65% or 6.90%) after the introductory period expires. The APR may vary.**4.90% introductory APR for new cardholders on purchases and balance transfers for the first 6 months. Thereafter, at the prevailing rate, currently 11.90% (Prime Rate + 8.40%) after the introductory period expires. The APR may vary.***5.90% introductory APR for new cardholders on purchases and balance transfers for the first 6 months. Thereafter, at the prevailing rate, currently 13.40% (Prime Rate + 9.90%) after the introductory period expires. The APR may vary.****
Grace Period for Repayment of the Balance for PurchasesNot less than 25 daysNot less than 25 daysNot less than 25 daysNot less than 25 days
Method of Computing the Balance for PurchasesAverage daily balance (including new purchases)Average daily balance (including new purchase)Average daily balance (including new purchase)Average daily balance (including new purchase)
Annual FeesNoneNoneNoneNone
Balance Transfer FeeBalance Transfers: Either $2.00 or 3% of the amount of each Balance Transfer, whichever is greaterNoneNoneNone
Minimum Finance Charge$.50$.50$.50$.50
Transaction Fee for PurchasesNoneNoneNoneNone

MCU²VISA®

mcu platinumcard
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Secured VisaVISA®

mcu gold card
Annual Percentage Rate for Purchases0.00% introductory APR for new cardholders on purchases and balance transfers for the first 6 months. Thereafter, at the prevailing rate, currently 11.90% (Prime Rate + 8.40%) after the introductory period expires. The APR may vary.*****11.90%
Grace Period for Repayment of the Balance for PurchasesNot less than 25 daysNot less than 25 days
Method of Computing the Balance for PurchasesAverage daily balance (including new purchase)Average daily balance (including new purchase)
Annual FeesNoneNone
Balance Transfer FeeNonen/a
Minimum Finance Charge$.50$.50
Transaction Fee for PurchasesNoneNone
†MCU will treat this application as a request for the VISA ® Card with the most favorable rate you qualify for based on your credit worthiness.

Rates and terms are subject to change without notice.

*0.00%, 2.90%, 3.90% or 5.90% introductory APR for new cardholders on purchases and balance transfers for first twelve months. Depending on your creditworthiness, a 12.40%, 13.65%, 15.15% or 16.90% variable APR after introductory period expires.
**3.90% introductory APR for new cardholders on purchases and balance transfers for first six months. Depending on your creditworthiness, a low 9.15% or 10.40% variable APR after introductory period expires.
***4.90% introductory APR for new cardholders on purchases and balance transfers for first six months. A low 11.90% variable APR after introductory period expires.
****5.90% introductory APR for new cardholders on purchases and balance transfers for first six months. A low 13.40% variable APR after introductory period expires.
*****0.00% introductory APR for new cardholders on purchases and balance transfers for first six months. A low 11.90% variable APR after introductory period expires.

The Annual Percentage Rate for Cash Advances for all MCU VISA Cards is a fixed 17.90%.

Balance Transfer Fee for TRUE Rewards Cash Back Visa Card is 3% of the amount of each Balance Transfer but not less than $2.00.

Cash Advance Fee for TRUE Rewards Cash Back VISA Card is 3% of the amount advanced but not less than $2.00 or more than $30.00.
Cash Advance Fee for Gold, Platinum and MCU² VISA Cards is 3% of the amount advanced but not less than $2.00 or more than $30.00.
Cash Advance Fee for Classic and Secured VISA Cards is 3% of the amount advanced but not less than $1.00 or more than $30.00.
Foreign Transaction Fee for all MCU VISA Cards is 1% of each transaction in U.S. Dollars.

Late Payment Fee for all MCU VISA Cards: up to $30.00.
Returned Payment Fee for all MCU VISA Cards: up to $20.00

Variable APRs will vary with the market based on the Prime Rate and are based on the 3.50% Prime Rate as of 9/15/16.

APR = Annual Percentage Rate

These rates are in effect as of Sunday, December 4, 2016.
Rates and terms are subject to change without notice.

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Routing Transit Number: 226078036

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Routing Transit Number: 226078036